Banco Bradesco SA is a Brazil-based commercial bank (the Bank). The Bank offers a range of banking and financial products and services in Brazil and abroad to individuals, large, mid-sized and small companies, and local and international corporations and institutions. The Bank operates and manages its business through two segments: the banking segment, and the insurance, pension plans and capitalization bond segment. In its banking segment, the Bank offers a range of banking products and services to its clients, including deposit-taking, granting of loans and advance payments, debit and credit card services, and capital market solutions, through its distribution network. Its products and services comprise banking operations, such as loans and advances and deposit-taking, credit card issuance, purchasing consortiums, insurance, leasing, payment collection and processing, pension plans, asset management and brokerage services.